Wicked Fast Microloans up to $25,000

CEI offers fast track microloans for existing and start-up businesses. Decisions will typically be made within three business days.

The initial requirement is a 2-page application and impact data survey from all owners with a 20% or greater share of the business.


  • Funds can be used for working capital, equipment, or to refinance existing higher cost debt
  • Funds cannot be used for real estate purchase
  • Up to 60-months fully amortizing
  • No prepayment penalty
  • Non-profit businesses do not qualify

Existing Businesses
(can show at least 6 months of revenue)
Credit ScoreMaximum AmountRate
725 up$25,0007.5%
Start-Up Businesses
(have had less than 6 months of revenue)
Credit ScoreMaximum AmountRate
650 up$15,0008%

*Meeting credit score requirements neither guarantees loan approval nor requested loan amount

Primary requirements of approval:

  • A first position lien on all business assets
  • Personal guaranty from all business owners with a 20% or greater share of the business
  • Payment by ACH
  • Start-up businesses must have a business advisor

If applicable, the following documentation will be requested:

  • Legal documents
  • Evidence of insurance
  • Copy of current lease
  • Borrower’s Resolution
  • Additional items, as needed
Due to the COVID-19 Pandemic CEI offices are closed to the public. CEI staff are working remotely and want to hear from you! Please reach out to your CEI contact regarding scheduled meetings and/or any questions/concerns. Click here for a list of COVID-19 Business Resources.